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HDFC Bank Doctor’s Superia Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

HDFC Bank Doctor’s Superia Credit Card: The HDFC Bank Doctor’s Superia Credit Card is a reward-based card that is exclusively designed to complement the hectic life of doctors. You can earn accelerated reward points with this card. Cardholders who travel often can benefit immensely from this credit card as the reward points can be converted into AirMiles and can be further redeemed to book flight tickets from over 20 international airlines or any major domestic airline. An eligible applicant can own this card after submitting a joining fee of Rs. 1,000 and the card is renewable at a fee of Rs. 1,000 per annum which can be waived off on the basis of your spendings.

This card also offers special dining benefits so that doctors can enjoy extra reward points while dining out and paying through this card. HDFC Bank Doctor’s Superia Credit Card also provides you insurance cover worth up to Rs. 20 Lakhs which secures them in cases of unfortunate events. Apart from these benefits, there are further fees and rewards associated with this card which you can learn more about below

Fees Joining Fee-  Rs.  1,000 + GST
Renewal Fee- Rs.  1,000 + GST
Best Suited For


Reward Type Reward Points
Welcome Benefits Enjoy 1,000 reward points as a welcome benefit on payment of the joining fee

Rewards and Benefits

Indulge in the pleasure of dining out with the HDFC Gourmet Delights Credit Card, where every meal becomes more rewarding. This exclusive card offers a host of benefits tailored to elevate your dining experience and enrich your lifestyle. Let’s explore the unique features and advantages of the HDFC Gourmet Delights Credit Card:

  • Movie & Dining:- Enjoy 50% more reward points every time you dine out at restaurants, adding extra value to your culinary experiences.
  • Rewards Rate:- Earn 3 reward points for every Rs. 150 spent, allowing you to accumulate points quickly and effortlessly.
  • Reward Redemption:- Exchange your reward points for AirMiles, with 667 reward points equating to 100 AirMiles, enabling you to embark on unforgettable travel adventures. Explore the exclusive gift options listed in the reward catalog and redeem your points for premium merchandise and experiences.
  • Insurance Benefits:- Benefit from Professional Indemnity Insurance coverage worth up to Rs. 20 Lakhs, providing you with peace of mind and financial security.
  • Zero Liability Protection:- Rest assured knowing that you are shielded from any fraudulent transactions made with your card after reporting its loss to the bank, offering you complete peace of mind.

Fees & Charges

  • Spend Based Waiver:- Unlock annual membership fee waiver by meeting spending criteria: Enjoy the benefit of having your next year’s annual membership fee waived by simply spending Rs. 1 Lakh in a year, making it easier to enjoy the perks of your card without additional expenses.
  • Rewards Redemption Fee:- Experience hassle-free rewards redemption: There are no redemption fees associated with redeeming your rewards, ensuring seamless access to your earned benefits without any extra charges.
  • Foreign Currency Markup:- Manage your international transactions with ease: Benefit from a foreign currency markup of 3.5% on all international transactions, providing you with convenience and flexibility when making purchases abroad.
  • Interest Rates:- Manage your finances effectively with competitive interest rates: Enjoy a competitive interest rate of 3.6% per month, equivalent to 43.2% per annum, allowing you to maintain control over your finances while utilizing your card for various expenses.
  • Fuel Surcharge:- Save on fuel expenses with a convenient waiver: Avail a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 5,000, with a maximum waiver capped at Rs. 250 per statement cycle, ensuring savings on your fuel purchases.
  • Cash Advance Charges:- Access cash when needed with minimal charges: Enjoy the flexibility of cash advances with a nominal charge of 2.5% of the amount withdrawn, subject to a minimum of Rs. 500, providing you with convenient access to funds when required.
  • Add-on Card Fee:- Extend benefits to your loved ones with ease: Add supplementary cardholders to your account at no additional cost, allowing your family members to enjoy the benefits and privileges of your card without any extra fees.

Product Details

  • Welcome Benefit:- Upon successful issuance, enjoy a welcome bonus of 1,000 Reward Points, adding instant value to your card membership.
  • Renewal Benefit:- Every year upon renewal, receive an additional 1,000 Bonus Reward Points, ensuring ongoing benefits and incentives.
  • Reward Points Redemption:- Your Reward Points are highly versatile and can be redeemed for AirMiles across several airlines, allowing you to unlock exciting travel opportunities and experiences.
  • Enhanced Rewards on Dining:- Indulge in culinary delights knowing that you’ll receive 50% more Reward Points on all dining spends, enhancing the value of every meal.
  • Professional Indemnity Insurance Coverage:- Gain peace of mind with Professional Indemnity Insurance coverage, providing financial protection against unforeseen events and liabilities.
  • Interest-Free Days:- Enjoy the flexibility of up to 50 interest-free days from the date of purchase, allowing you to manage your finances efficiently and effectively.

HDFC Bank Doctor’s Superia Credit Card Features and Benefits

HDFC Bank Doctor’s Superia Credit Card is tailored to cater specifically to the needs of medical professionals, offering a plethora of benefits and features curated to enhance their lifestyle. Let’s explore the various aspects of this specialized credit card:

Welcome Benefits

Upon joining, you receive a welcome bonus of 1000 reward points, adding immediate value to your card membership. This welcome benefit is contingent upon payment of the joining fee.

Reward Benefits

Earn 3 Reward Points for every Rs. 150 spent, allowing you to accumulate rewards quickly with your regular expenditures. Additionally, enjoy 50% more Reward Points on dining spends, making dining experiences even more rewarding.

Reward Redemption

Redeem your accumulated reward points for free Airmiles or choose from the exclusive HDFC Bank Reward Catalog. Redemption is simple and can be done online via HDFC Bank’s official website.

Dining Benefits

Experience enhanced rewards with 50% more reward points when dining at restaurants, providing ample reasons to indulge in culinary delights.

Insurance Benefits

Receive comprehensive insurance coverage of up to Rs. 20 Lakhs under Professional Indemnity Insurance, safeguarding against costs arising from professional negligence. The policy covers expenses related to patient injury or death due to errors or negligence, including defense expenses and legal costs.

Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver at all petrol stations in India for transactions ranging between Rs. 400 and Rs. 5000, with the waiver capped at Rs. 250 per statement cycle.

Renewal Benefit

Upon card renewal, receive 1000 Reward Points, adding further value to your continued card membership.

Spend Based Waiver

The annual membership fee of Rs. 1000 can be waived if you spend Rs. 1 Lakh or more in the previous year, providing an incentive to maximize card usage.

Fees and Charges

The HDFC Bank Doctor’s Superia Credit Card entails an annual fee of Rs. 1000, with renewal charges also set at Rs. 1000. Additionally, an interest rate of 3.6% per month (or 42.3% annually) is applicable. A foreign currency mark-up fee of 3.5% and a cash withdrawal fee of 2.5% (subject to a minimum of Rs. 500) are also associated with the card.

Eligibility Criteria

To be eligible for the HDFC Bank Doctor’s Superia Credit Card, the applicant must be an Indian doctor. Salaried doctors must be between 21 to 60 years of age, while self-practicing doctors must be between 21 to 65 years of age.

Pros and Cons

– Tailored benefits for medical professionals
– Welcome and renewal bonuses
– Enhanced rewards on dining
– Comprehensive insurance coverage

– Annual fees and charges apply
– Limited eligibility criteria for doctors only

In conclusion, the HDFC Doctor’s Superia Credit Card offers a range of benefits designed to complement the busy lifestyle of medical professionals, making it a valuable addition to their financial toolkit.

Pros Cons
– The Card has an affordable annual fee of Rs. 1,000 only.
– Bonus Points are offered not just in the first year, but every year on card renewal.
– Accelerated reward points are offered on dining spends.
– No add-on fee is there for supplementary cards.
– There is no free airport lounge access.
– The reward Points conversion rate to Airmiles is too low, i.e, 667 Reward Points = 100 AirMiles

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